532 Monarch Dr, Crystal Lake, IL 60014 Property Records

McHenry County property record for 532 Monarch Dr, Crystal Lake, IL 60014

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,020 sqft · built 1992
Lot Size	0.193 acres (8,426 sqft)
Owner	Individual Name on File
Last Sale	$249,000 (May 2019)
Deeds & Mortgages	Jan 2021 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-18-255-009`

Property Details

APN / Parcel Number

Primary APN	`19-18-255-009`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,020 sqft
Gross Area	2,676 sqft
1st Floor Area	1,096 sqft
2nd Floor Area	924 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Architectural Style	Colonial
Exterior Material	Vinyl
Lot Area	8,426 sqft (0.193 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	532 MONARCH DR
City	CRYSTAL LAKE
State	IL
Zip	60014-2704
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2019R0012596 LT 71 BENTWOOD ESTATES
Legal Range	08E
Legal Township	43N
Legal Section	18
Legal Subdivision	BENTWOOD ESTATES
Legal Block	255
Legal Lot Number	71
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	4
Census Block	4020
Census Tract	871201

Owner

532 Monarch Dr is owned and occupied by an individual who bought it in May 2019.

Source: McHenry County records, as of May 13, 2024

Owner of Record	Individual Name on File
Mailing Address	532 MONARCH DR, CRYSTAL LAKE, IL 60014-2704
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
May 7, 2019	Warranty Deed, Transfer · FHA Mortgage SIERRA PACIFIC MORTGAGE CO INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 7, 2019 · Amount on File
Deed Sale	May 7, 2019 · Amount on File
Prior Sale	Mar 2, 2007 · Amount on File
Deed Document Number	SPECIAL WARRANTY
Record Updated	Jun 7, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	532 MONARCH DR, CRYSTAL LAKE, IL 60014-2704
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003773
Date	Jan 20, 2021
Instrument	2021R0003773

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.99%

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	May 7, 2019
Property Address	532 MONARCH DR, CRYSTAL LAKE, IL 60014-2704
Document Number	0000012596
Map Reference	DOC 89R35570
Instrument Date	May 2, 2019
Instrument	2019R0012596
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$373.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	532 MONARCH DR, CRYSTAL LAKE, IL 60014-2704

Mortgage

Document Number	0000012597
Date	May 7, 2019
Instrument	2019R0012597

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

Source: McHenry County assessment roll, as of January 1, 2022

Property Jurisdictions

Type	Name
State	Illinois
County	McHenry County
County Subdivision	Algonquin Township
Municipality	Crystal Lake City
Elementary School District	Crystal Lake Community Consolidated School District 47 (PK - 08)
Secondary School District	Community High School District 155 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2022	Homeowner's exemption	$94,056 Land $24,089 Building $69,967	$282,168 Land $72,267 Building $209,901

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 532 Monarch Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 28, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 532 Monarch Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CRYSTAL LAKE serves 40,661 people · EPA ID IL1110150
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	7 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	12 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 432 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Verizon.

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